COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

6 Months Ended

Jun. 30, 2012

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]

Off-Balance-Sheet Financial instruments contract amount

The contract amount of commitments and contingencies are as follows:

(000's omitted)	June 30,  2012		December 31, 2011
Commitments to extend credit	$	563,647	$	572,393
Standby letters of credit		25,048		25,279
Total	$	588,695	$	597,672